Credit Direct Mobile

Credit Direct Limited

About this app

Credit Direct: All your money moves in one app

The Credit Direct app gives you secure access to the financial tools you need to borrow, pay, and grow your money, all in one simple app.


* Send, Receive & Earn Interest on your Wallet Balance
- Send and receive money with zero transfer fees.
- Earn 10% p.a. on your wallet balance.


* Apply, Track, and Manage your Loans with Ease
- Apply digitally, no agent needed.
- Track and repay all loans in minutes.
- Available to salaried employees, federal and state civil servants freelancers, and more.


* Grow Your Money with Yield (Up to 21% p.a.)
- Fixed Yield: Fixed Yield allows you set money aside for a defined period while earning attractive returns. Structured for long-term goals like rent, car purchase, wedding plans, etc. Lock funds for 1–12 months, earn up to 21% p.a. (₦50,000 minimum investment).
- Flex Yield: With Flex Yield, you can earn returns while still having some access to their money. Fund your Flex Yield with ₦50,000 and above and earn 15% p.a, with interest paid into your Flex Yield wallet on the first day of every month. You can also access up to 4 free withdrawals per month.
- Target Yield — Put aside money in small amounts over a period to fund a specific goal, whether it is a vacation or for school fees. Contribute as little as ₦1,000 daily, earn 15% p.a when you meet your goal.
- Gift a Yield — Give someone an investment plan. It is a thoughtful and practical way to appreciate loved ones while helping them grow money. The recipient earns up to 21% per annum once the gift is claimed.


* Pay Bills & Buy Airtime/Data
- Pay electricity bills, cable TV, and buy airtime/data for yourself or loved ones in a few taps.


Customer Support
Get answers to all your questions 24/7 from CLARA. On the app, simply select Account > Settings > Need help? To reach CLARA on all available channels.

Secure & Trusted
Credit Direct is licensed and regulated by the Central Bank of Nigeria (CBN). A Fintech arm of FCMB Group, Credit Direct has served millions of Nigerians for close to two decades.

Ratings and reviews

It's a very unstable and useless App. It fails to accept my password and I tried to reset it through the OTP I received, I still won't be directed to the place where I shall input a new password, rather it it just returning back to the initial interface where it is not accepting my password. And the most annoying thing is the e-mails the developers keeps sending me to try out the App. Please stop sending me mails since you do not want me to log in.

This app is crazy. I registered with my exact number but the number suddenly changed to another number in the app and I can't even change the number to my own number. And they want me to continue. So now another number can login while my own number can't. Terrible app. Pls shut down if your backend devs are inexperienced. Maybe employing nysc corp members for serious work.

Am not receiving otp despite changing the phone number on my bvn and have also submitted my bvn slip to your email which I spoke to an agent yesterday and was promised to update the phone number on my account still not updated yet and I need to receive otp for a transaction

What’s new

- App Performance Improvements
- Fixed known bugs